Hamilton County property record for 131 Harrowgate Dr, Carmel, IN 46033
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,997 sqft · built 1968 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,868 (2024) |
| Deeds & Mortgages | Sep 2025 Transfer Apr 2024 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-10-30-202-011.000-018 |
| Primary APN | 29-10-30-202-011.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 1,997 sqft Living Area |
| 1st Floor Area | 1,249 sqft |
| 2nd Floor Area | 748 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 15,246 sqft (0.35 acres) |
| Lot Dimensions | 150 ft deep x 110 ft wide |
| Garage Type | Attached |
| Garage Area | 575 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 1610300202011000 |
|---|---|
| Street Address | 131 HARROWGATE DR |
| City | CARMEL |
| State | IN |
| Zip | 46033-1903 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .00, SECTION 30, TOWNSHIP 18, RANGE 4, HARROWGATE, SECTION 3, LOT 215, IRREGULAR SHAPE |
| Legal Range | 04 |
| Legal Township | 18 |
| Legal Section | 30 |
| Legal Subdivision | CARMEL HARROWGATE |
| Legal Block | 3 |
| Legal Lot Number | 215 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 110907 |
Source: Hamilton County records, as of March 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 131 HARROWGATE DR, CARMEL, IN 46033-1903 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 19, 2025 | Transfer on Death Deed, Transfer |
| Apr 1, 2024 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Mar 4, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 2021 |
| Deed Sale | Mar 4, 2021 |
| Prior Sale | Sep 12, 2002 |
| Deed Document Number | 2021017160 |
| Record Updated | Jun 8, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Sep 19, 2025 |
| Property Address | 131 HARROWGATE DR, CARMEL, IN 46033-1903 |
| Document Number | 0000040374 |
| Map Reference | DOC 10396 |
| Instrument Date | Sep 19, 2025 |
| Instrument | 2025040374 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 131 HARROWGATE DR, CARMEL, IN 46033-1903 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 131 HARROWGATE DR, CARMEL, IN 46033-1903 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000010922 |
|---|---|
| Date | Apr 1, 2024 |
| Instrument | 2024010922 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 14, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Mar 4, 2021 |
| Property Address | 131 HARROWGATE DR, CARMEL, IN 46033-1903 |
| Document Number | 2021017160 |
| Map Reference | MB 2 PG 280&281 |
| Instrument Date | Feb 25, 2021 |
| Instrument | 2021017160 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 131 HARROWGATE DR, CARMEL, IN 46033-1903 |
Source: Hamilton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Indiana |
| County | Hamilton County |
| County Subdivision | Clay Township |
| Municipality | Carmel City |
| Unified School District | Carmel Clay Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $364,700 (+1.93%) Land $135,500 Building $229,200 | $364,700 (+1.93%) Land $135,500 Building $229,200 | |
| 2024 | $3,868.00 (+28.98%) | $357,800 (+20.88%) Land $135,500 Building $222,300 | $357,800 (+20.88%) Land $135,500 Building $222,300 |
| 2023 | $2,999.00 (+10.22%) | $296,000 (+19.35%) Land $90,000 Building $206,000 | $296,000 (+19.35%) Land $90,000 Building $206,000 |
| 2022 | $2,721.00 | $248,000 Land $90,000 Building $158,000 | $248,000 Land $90,000 Building $158,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 5, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 5 (2013–2019) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Jun 2019 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 73% of Indiana |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CARMEL WATER DEPARTMENT serves 99,927 people · EPA ID IN5229004 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Aug 2024 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| Water Quality | Treatment failure resolved · Jan 2024 E. coli resolved · Oct 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 223 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| On-Ramp Indiana Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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